摘要：This report presents the results of the ECB’s bank lending survey for the euro area that was conducted in January 2007. The cut-off date for receipt of data from the banks participating in this survey was 16 January 2007.
The results show that credit standards for loans to enterprises remained unchanged in the fourth quarter of 2006. Credit standards for loans to households for housing purchases eased slightly after having remained broadly unchanged in the previous quarter. In addition, banks continued to ease, on a net basis, their credit standards to households for consumer credit and other lending.
With regard to the demand for loans, banks continued to report a strong positive net demand for loans to enterprises in the fourth quarter of 2006, up from the previous quarter. Net demand for consumer credit remained positive, although it decreased somewhat from the previous quarter. During the same period, net demand for housing loans to households, as perceived by the banks, continued to decline and was more negative than in the third quarter.
